In-laws are less than 5 years from retirement with zero savings, significant debt including a mortgage with virtually no equity, 2 vehicles, RV, boat, and possibly credit card. Their only retirement blessing is a potential inheritance of~250k that could be just enough to pay off their current home. Even IF they are able to eliminate their mortgage with inheritance, their projected social security income at 67 will be only ~35% their pre-retirement household income. The only future I see is significant reduction in standard of living, having to sell everything, downsize housing, and still will likely need financial assistance from family. Is it as bad as it seems? Any advice on how to get family on board to address the situation immediately and with urgency?